Logistics Business Loans & Finance

Summary: Fast Business Loans helps UK logistics and transport companies find the most appropriate lenders and brokers for vehicle, asset, invoice and working capital finance from £10,000 upwards. Complete a quick, no-obligation eligibility check and we’ll match you to the right partners fast — no credit checks at enquiry stage. Free Eligibility Check (Takes under 2 minutes • No credit impact).

Why UK logistics companies seek funding now

Logistics businesses face a mix of cost pressures and growth opportunities. Rising fuel and maintenance costs, driver shortages, and the need for emissions compliance mean operators must invest strategically while keeping cashflow healthy. At the same time, e-commerce growth and contract wins create demand for more vehicles and warehousing capacity.

• UK freight and logistics saw continued demand growth in recent years — many firms need working capital to bridge longer payment cycles.
• Regulatory and sustainability drivers are encouraging investment in cleaner vehicles and charging infrastructure.
• Fleet renewal or expansion requires sizeable capital outlay, often beyond day-to-day cash reserves.

Common logistics finance needs we see

Based on enquiries we receive, typical funding needs include:

• Fleet purchases & upgrades — trucks, vans, trailers, refrigerated units.
• Asset finance — fund new or used vehicles and equipment while spreading costs.
• Invoice finance — unlock cash tied up in unpaid invoices to smooth operations.
• Working capital — short-term loans to cover seasonal demand or contract ramp-up.
• Warehouse or depot expansion — fit-out, racking, or new premises deposits.
• Sustainability investments — EVs, charging points, and grant-top-up funding packages.

For a detailed sector overview, see our logistics business loans pillar: logistics business loans.

Loan & finance products available for logistics firms

Different needs suit different products. Below are common options, typical terms, and pros/cons.

Asset & Vehicle Finance

• Typical: 2–7 year terms for vehicles; hire purchase or finance lease options.
• Pros: Preserve cash, spread cost, often structured around vehicle lifespan.
• Cons: Interest and fees apply; vehicles may be security for the finance.

Invoice Finance (Factoring / Disc. Fin.)

• Typical: Revolving facility, up to 90% of invoice value advanced.
• Pros: Immediate cashflow improvement, scalable with sales.
• Cons: Fees and ongoing charges; suitable for businesses with regular invoicing.

Working Capital Loans

• Typical: Short to medium-term loans from 6 months to 5 years.
• Pros: Flexible use, quick access if criteria met.
• Cons: Lenders vary widely on terms and pricing.

Refinance & Debt Consolidation

• Typical: Restructure existing facilities to reduce monthly cost.
• Pros: Can improve cashflow and simplify payments.
• Cons: May require fees or personal/corporate guarantees.

Get Quote Now — free eligibility check to see which product fits your needs (Takes under 2 minutes • No credit impact).

Eligibility snapshot: what lenders often look for

Note: lender criteria vary. Fast Business Loans introduces you to lenders and brokers who can confirm exact requirements for your case.

How Fast Business Loans helps logistics operators

We’re not lenders — we match your enquiry with the lenders and brokers most likely to help. Our process is simple and fast:

1. Quick Enquiry: You complete a short form about your business and funding need. Start Your Enquiry.
2. Tailored Match: We match you to selected partners who specialise in logistics finance.
3. Rapid Contact: A broker or lender contacts you to discuss options and next steps.
4. Compare & Decide: Review proposals and choose the funding that suits your business — no obligation to proceed.

Why use us? Sector expertise, speed, and the ability to compare multiple options quickly — saving you time and increasing your chances of a suitable offer.

What to prepare before you apply

Having the right documents ready speeds the process.

• Basic company details: registered name, address, SIC code, incorporation date.
• Recent management accounts or annual accounts (last 12–24 months).
• Bank statements (typically 3–6 months).
• Vehicle or asset information (make, model, age, mileage) for asset finance.
• Copies of major contracts or long-term customer agreements, if available.
• Cashflow forecast or purpose of funds and estimated amount required.

Funding timeline & what to expect

• Day 0: Submit a short enquiry — this triggers no credit search.
• Within 24–48 hours: A broker or lender usually makes first contact to qualify the case.
• 3–10 working days: Indicative offers can be provided once paperwork is exchanged.
• After approval: Completion depends on asset inspection, documentation and signing — often days to a few weeks.

Times vary by product and provider. We aim to connect you with partners who respond quickly and transparently.

Ways to strengthen your logistics loan application

1. Keep business accounts and bank statements clean and up to date.
2. Document recurring contracts or customers to show predictability of income.
3. Provide accurate asset details for vehicle or equipment finance.
4. Consider a deposit or lower LTV to improve pricing and acceptance.
5. Be transparent about past credit issues — many lenders offer specialist solutions.

Case snapshots: logistics funding in action

Transparent costs & responsible finance

Costs vary by product and lender. Partners provide clear APRs, fees and total repayment figures. Fast Business Loans does not charge businesses for matching and we don’t influence pricing — our goal is to connect you with the best-suited providers so you can compare responsibly.

Start your free logistics finance enquiry

Ready to explore options? Complete a short form and we’ll match you with lenders/brokers who understand logistics finance.

Free Eligibility Check — Get Quote Now

Takes under 2 minutes • No credit impact • No obligation

Prefer to talk? Call our team or email us and we’ll arrange an introduction to a suitable broker.

FAQs: Logistics Business Loans

Can start-up couriers apply?

Yes — many partners will consider early-stage logistics businesses. Lenders typically look at director experience, contracts and realistic forecasts.

Will the enquiry affect my credit score?

No. Submitting the Fast Business Loans enquiry form does not trigger a credit search. Lenders will only run checks with your permission.

Do you provide finance for electric vehicles and chargers?

Yes. Several partners offer sustainability-linked finance and packages for EV fleet adoption and charging infrastructure.

What’s the minimum loan amount?

We introduce enquiries for funding from £10,000 and above.

How quickly will a broker respond?

Often within a few working hours; response times depend on provider schedules and the information you supply.

Is there any cost or obligation to use Fast Business Loans?

No — our matching service is free and carries no obligation to accept offers from partners.

Important information & disclaimer

Fast Business Loans is an introducer that connects businesses with lenders and brokers. We do not provide finance, act as lender, or give regulated financial advice. Lenders and brokers will assess your application and their exact terms, eligibility and checks will vary. Always read provider terms before signing and consider independent advice where appropriate.

– What is logistics business finance and what types can I get?
Logistics business finance includes asset and vehicle finance, invoice finance, working capital loans and refinance tailored for fleets, haulage and transport operators.

– How does Fast Business Loans work for logistics companies?
Fast Business Loans is an introducer that uses your quick enquiry to match UK logistics firms with suitable lenders and brokers for funding from £10,000+, free and with no obligation.

– Will submitting an enquiry affect my credit score?
No—submitting our enquiry form does not trigger a credit search, and any checks happen only with your permission if you choose to proceed.

– How quickly can I get logistics funding?
You’ll typically hear from a broker or lender within a few working hours, with indicative offers in 3–10 working days and completion in days to a few weeks depending on the product.

– What’s the minimum loan or facility size for logistics finance?
Most logistics finance options start from £10,000, with actual facility sizes dependent on lender criteria and your business profile.

– Do you support start-ups and new courier businesses?
Yes—many partners consider start-ups and early-stage couriers, especially where there is director experience, contracts and realistic forecasts.

– What documents do I need to apply for logistics finance?
Have basic company details, recent accounts, 3–6 months’ bank statements, asset/vehicle info (if applicable), key contracts and a cashflow forecast ready.

– Can I finance electric vehicles (EVs) and charging infrastructure?
Yes—partners offer sustainability-linked funding for EVs, vans and trucks, plus charging infrastructure.

– Do I need security or a personal guarantee for logistics funding?
Security requirements vary by product, but vehicle and asset finance are often secured on the asset and some loans may require personal or corporate guarantees.

– What rates and terms can I expect for logistics business loans?
Terms typically range from 6 months to 7 years depending on the product, with transparent APRs and fees provided by the lender or broker once your case is assessed.